CompanyGraph
The Bank of N.T. Butterfield & Son Limited
NTB · NYSE Arca · Bermuda
butterfieldgroup.comFinancials as of FY2025
At a glance
- Depends onMidstream position: 6 outgoing, 6 incoming connections
- ScaleMarket cap is $2.43B, above the global median of $1.15B
- FinancialsHigh earnings quality
- Interpretations1 currently firing — 1
Sign in to view price data.
Sign inWhat the company actually pays, and whether its own cash supports it.
Dividends view
Yield
3.26%Below 5Y avg (5.02%)
Annual Rate
USD 2.00Paid quarterly
Payout Ratio
33.6%Sustainable
Paying Dividends
8 yr
Payback Period
30.2 yr
Last Ex-Dividend
May 13, 2026
Last Payment
May 27, 2026
The reported statements, read against the company's own industry.
Financials view
Market Capitalization
2.43BUSDvs all stocks (USD)
Trailing P/E
10.64xRevenue (TTM)
613.12MUSDvs all stocks (USD)
Profit Margin
39.28%Beta
0.4910xvs all stocks
52-Week Change
34.64%vs all stocks
Forward Annual Dividend Yield
3.26%vs all stocks
Market Capitalization
2.43BUSDvs all stocks (USD)
Enterprise Value
-689.43MUSDvs all stocks (USD)
Trailing P/E
10.64xForward P/E
8.69xPEG Ratio
0.4323xPrice to Sales (TTM)
3.96xPrice to Book (MRQ)
2.14xEnterprise to Revenue
-1.12xProfit Margin
39.28%Operating Margin
42.69%Return on Assets (TTM)
1.69%Return on Equity (TTM)
21.95%Revenue (TTM)
613.12MUSDvs all stocks (USD)
Revenue per Share (TTM)
15.09USDUpdated Jul 19, 2026Quarterly Revenue Growth
4.30%Gross Profit (TTM)
613.12MUSDvs all stocks (USD)
EBITDA (TTM)
0.00USDvs all stocks (USD)
Net Income (TTM)
240.80MUSDvs all stocks (USD)
Quarterly Earnings Growth (YoY)
16.50%Operating Cash Flow (TTM)
275.65MUSDvs all stocks (USD)
Levered Free Cash Flow (TTM)
231.94MUSDvs all stocks (USD)
Forward Annual Dividend Rate
2.00USDUpdated Jul 19, 2026Forward Annual Dividend Yield
3.26%vs all stocks
Trailing Annual Dividend Rate
1.94USDUpdated Jul 19, 2026Trailing Annual Dividend Yield
3.16%vs all stocks
5-Year Average Dividend Yield
5.02%vs all stocks
Payout Ratio
33.62%Revenue
606.81MUSDFY2025 · Dec 31, 2025Pre-tax Income
237.97MUSDFY2025 · Dec 31, 2025Income Tax Expense
6.02MUSDFY2025 · Dec 31, 2025Net Income
231.94MUSDFY2025 · Dec 31, 2025Selling, General & Administrative
192.34MUSDFY2025 · Dec 31, 2025EPS (Basic)
5.61USDFY2025 · Dec 31, 2025EPS (Diluted)
5.47USDFY2025 · Dec 31, 2025Basic Shares Outstanding
41.34MSharesFY2025 · Dec 31, 2025Diluted Shares Outstanding
41.34MSharesFY2025 · Dec 31, 2025Net Income from Continuing Operations
231.94MUSDFY2025 · Dec 31, 2025Operating Cash Flow
279.50MUSDFY2025 · Dec 31, 2025Free Cash Flow
254.75MUSDFY2025 · Dec 31, 2025Cash & Cash Equivalents (End of Period)
1.78BUSDFY2025 · Dec 31, 2025Income Tax Paid
4.01MUSDFY2025 · Dec 31, 2025Interest Paid
203.16MUSDFY2025 · Dec 31, 2025Starting Profit (CF Statement)
231.94MUSDFY2025 · Dec 31, 2025Depreciation & Amortization
36.82MUSDFY2025 · Dec 31, 2025Stock-based Compensation
22.25MUSDFY2025 · Dec 31, 2025Change in Accounts Receivable (CF)
15.28MUSDFY2025 · Dec 31, 2025Change in Other Assets/Liabilities
-26.79MUSDFY2025 · Dec 31, 2025Capital Expenditures
-24.75MUSDFY2025 · Dec 31, 2025Net Intangibles (CF)
0.00USDFY2025 · Dec 31, 2025Purchase of Investments
-3.56BUSDFY2025 · Dec 31, 2025Sale of Investments
3.46BUSDFY2025 · Dec 31, 2025Net Investing Cash Flow
-124.60MUSDFY2025 · Dec 31, 2025Long-term Debt Payments
-100.00MUSDFY2025 · Dec 31, 2025Common Stock Repurchase
-146.69MUSDFY2025 · Dec 31, 2025Common Dividends Paid
-77.72MUSDFY2025 · Dec 31, 2025Net Financing Cash Flow
-324.41MUSDFY2025 · Dec 31, 2025Shares Outstanding
39.61MSharesUpdated Jul 19, 2026Float Shares
38.85MSharesUpdated Jul 19, 2026Shares Short
615.82KSharesUpdated Jul 19, 2026Short Ratio
2.37daysvs all stocks
Short % of Shares Outstanding
1.57%vs all stocks
% Held by Insiders
1.21%vs all stocks
% Held by Institutions
75.03%vs all stocks
Total Cash (MRQ)
3.29BUSDvs all stocks (USD)
Total Cash per Share (MRQ)
83.11USDUpdated Jul 19, 2026Total Debt (MRQ)
171.78MUSDvs all stocks (USD)
Total Debt to Equity (MRQ)
0.0015xBook Value per Share (MRQ)
28.68USDUpdated Jul 19, 2026Total Assets
14.09BUSDvs all stocks (USD)
Total Liabilities
12.95BUSDFY2025 · Dec 31, 2025Cash
105.44MUSDFY2025 · Dec 31, 2025Cash Equivalents
1.43BUSDFY2025 · Dec 31, 2025Cash & Cash Equivalents
1.71BUSDFY2025 · Dec 31, 2025Other Short-term Investments
3.39BUSDFY2025 · Dec 31, 2025Common Stock (Book)
399.00KUSDFY2025 · Dec 31, 2025Retained Earnings
494.38MUSDFY2025 · Dec 31, 2025Total Shareholders' Equity
1.14BUSDvs all stocks (USD)
Treasury Stock
0.00USDFY2025 · Dec 31, 202552-Week Low
40.59USDUpdated Jul 19, 202652-Week High
62.46USDUpdated Jul 19, 202652-Week Change
34.64%vs all stocks
Beta
0.4910xvs all stocks
50-Day MA
58.08USDUpdated Jul 19, 2026200-Day MA
51.79USDUpdated Jul 19, 2026Avg 10-Day Volume
125.84KSharesUpdated Jul 19, 2026Avg 30-Day Volume
203.08KSharesUpdated Jul 19, 2026Diluted EPS (TTM)
5.77USDUpdated Jul 19, 20261 interpretation currently present — each is a set of fired observations whose alignment reads as one structural pattern. Click an observation to see the numbers behind it.
Screen for these patternsHow does this company use capital?
Three-Year Positive Free Cash Flow With Elevated ADX Asymmetry And 50w SMA Above 200w SMA
Three years of positive free cash flow, with the 50-week average above the 200-week.
Reads
An interpretation is present only while every observation it reads stays fired (score ≥ 70). It describes what the aligned readings show — never a verdict, never a prediction.
Shared structure with peers — never a ranking.
Relationships view
Structural observations derived from financial data, industry benchmarks, and supply chain position.
Financial Health
High earnings qualityNotable
Earnings Quality Score: 0.80
Supply Chain
Midstream position: 6 outgoing, 6 incoming connectionsNotable
Outgoing: 6.00Incoming: 6.00
High connectivity hub: 12 industry connectionsNotable
Total Connections: 12.00
Scale
Market cap is $2.43B, above the global median of $1.15BNotable
Market cap (USD): 2,430,901,355Global Median: 1,146,734,693.424
Revenue is $613.12M, above the global median of $520.53MNotable
Revenue (USD): 613,115,008Global Median: 520,528,949.311
Levered free cash flow is $231.94M, above the global median of $16.24MNotable
Levered free cash flow (USD): 231,942,000Global Median: 16,239,329.704
Companies that share the same coordination system — how they create, deliver, or capture value.
Qingdao Rural Commercial Bank Co., Ltd.
Tier 1RiskSpread-Based LeverageFlowRule
Columbia Financial Inc.
Tier 1RiskSpread-Based LeverageRuleFlow
Banner Corporation
Tier 1RiskSpread-Based LeverageRuleFlow
Bank of Zhengzhou Co., Ltd.
Tier 1RiskSpread-Based LeverageRuleFlow
Enterprise Financial Services Corp.
Tier 1RiskSpread-Based LeverageRuleFlow
Stock Yards Bancorp Inc.
Tier 1RiskSpread-Based LeverageRuleFlow
Inter & Co, Inc.
Tier 1RiskSpread-Based LeverageRuleFlow
Bank Danamon Indonesia Tbk
Tier 1RiskSpread-Based LeverageRuleFlow
CreditAccess Grameen Ltd.
Tier 1RiskSpread-Based LeverageFlowInterface
Bank CIMB Niaga Tbk.
Tier 1RiskSpread-Based LeverageFlowRule
Companies that share active interpretations — structural patterns currently present in both stocks.
Okeanis Eco Tankers Corp
1 interpretationThree-Year Positive Free Cash Flow With Elevated ADX Asymmetry And 50w SMA Above 200w SMA
DuPont de Nemours Inc.
1 interpretationThree-Year Positive Free Cash Flow With Elevated ADX Asymmetry And 50w SMA Above 200w SMA
King Slide Works Co., Ltd.
1 interpretationThree-Year Positive Free Cash Flow With Elevated ADX Asymmetry And 50w SMA Above 200w SMA